According to Kashin's inquiry. Com, Huaxia Bank's annual fee-free policy for credit cards: Huaxia Bank's credit cards (except Huaxia Yida Gold Card) are free of annual fees in the first year, and the annual fees in the following year are free of five or more cash transactions a year. Huaxia Yida Gold Card is exempt from the annual fee in the first year, and the annual fee in the following year can be exempted for transactions of 1 or above within one year.